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Insurance Plans Comparison

ManipalCigna Sarvah Pratham vs HDFC ERGO Critical Illness Silver Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ManipalCigna

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • 1. Individuals who prefer flexible deductible and voluntary co-payment options.

  • Customers looking for optional benefits such as Restoration, Gullak and Sarathi.

  • People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.

  • Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.

  • Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

VS
HDFC ERGO

Critical Illness Silver Plan

Affordable lump-sum cover for 8 major critical illnesses

What Makes It Special:

The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...

Best For:

  • Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover

  • Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age

  • Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs

  • Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure

  • Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

ManipalCigna Sarvah Pratham

  • Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.

  • Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.

  • This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.

  • Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.

  • Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

  • Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.

  • The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.

  • The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.

  • Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

VS
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

Room Rent

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

VS

Critical Illness Silver Plan

Not applicable.

ICU Charges

Sarvah Pratham

Covered up to the Sum Insured.

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Co-payment

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

VS

Critical Illness Silver Plan

Not applicable

Disease-wise sublimits

Sarvah Pratham

Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

VS

Critical Illness Silver Plan

Not applicable.

Restoration Benefit

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

VS

Critical Illness Silver Plan

Not applicable — the benefit is payable once, on first diagnosis

Cashless Healthcare Providers

Sarvah Pratham

15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

VS

Critical Illness Silver Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

Cumulative Bonus

Sarvah Pratham

Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

VS

Critical Illness Silver Plan

Not specified

Daycare Treatment

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

VS

Critical Illness Silver Plan

Not applicable.

AYUSH Treatment

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

VS

Critical Illness Silver Plan

Not applicable

Initial Waiting Period

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Sarvah Pratham

36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

VS

Critical Illness Silver Plan

48 months for all pre-existing conditions declared and/or accepted at application

Modern Treatment

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

VS

Critical Illness Silver Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

Annual Health Checkup

Sarvah Pratham

Available as an optional cover.

VS

Critical Illness Silver Plan

Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance

Pre-Hospitalisation

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

VS

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Sarvah Pratham

Not covered under the base plan.

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

Sarvah Pratham

Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

VS

Critical Illness Silver Plan

Not specified — cover is written per insured person; no individual/floater structure is stated

Claim Settlement Ratio

Sarvah Pratham

99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

VS

Critical Illness Silver Plan

97% approximately

Maternity Cover

Sarvah Pratham

Not available under Sarvah Pratham.

VS

Critical Illness Silver Plan

Not covered.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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